Who We Help · Company Directors & Owners
Financial Advice for Company Directors & Business Owners in Ireland
As a director you can extract wealth from your company in ways an employee never could — if you use the right structures. We help company directors and business owners in Ireland fund pensions from the business, invest surplus company cash, protect their income and key people, and plan the financial side of the business with clarity.
Last reviewed by Debbie Cheevers, QFA, RPA · 30 June 2026
Who this is for
If you own or run a limited company, your pension and wealth decisions look very different to an employee’s. We work with:
Proprietary directors taking a mix of salary and dividends who want to extract profit tax-efficiently.
Founders building a profitable company who want the business to fund their long-term wealth.
Directors planning succession, key-person cover and the financial handover to the next generation.
Company pensions: the most tax-efficient way to extract profit
For a company director, a pension is often the single most efficient way to move money out of the business and into your own name — with tax advantages an employee could never access:
- A deductible business expense for the company
- No benefit-in-kind for you personally
- Grows free of income tax, DIRT and capital gains tax
- Often far larger contributions than personal age-related limits allow
The right structure — an executive pension, a company-funded PRSA or a small self-administered scheme — depends on your salary, your timeline and how much control you want over the investments. As a whole-of-market firm, we model the options and recommend the most efficient route.
Extracting wealth tax-efficiently
Profit sitting in your company is only doing half its job. The question every director faces is how to get it into your own hands without losing more than necessary to tax. There’s rarely one right answer — the best outcome usually blends several routes.
The everyday mix — but both are taxed at your marginal rate, so they’re rarely the most efficient way to move large sums.
Company contributions reduce corporation tax and build your wealth tax-efficiently — often the most powerful lever.
Planning ahead for retirement relief and an eventual sale or wind-down so you keep more of what you’ve built.
Investing surplus company cash for growth
Many profitable companies build up cash reserves that sit in a current account earning next to nothing while inflation erodes their real value. Once your pension funding is optimised, putting that surplus to work can make a meaningful difference to the long-term value of the business and your wealth.
Investing company cash doesn’t carry the tax efficiency of pension funding, and company investments are taxed differently to personal ones — but it gives reserves the chance to grow rather than stagnate, with access when the business needs them.
We help you decide how much to keep liquid, how much to fund into pensions, and how much surplus is right to invest.
Put surplus company reserves into a diversified portfolio matched to the company’s risk appetite and timeframe.
Once extracted, invest in your own name for growth and access — a complement to your pension, not a replacement.
We model pension funding, liquidity and investment together so every euro of profit is working where it works hardest.
Protecting your income, your family and your key people
When you’re central to the business, the right protection keeps both your family and your company resilient if something goes wrong.
Funded by the company to replace your income if illness or injury stops you working — often more tax-efficient than personal cover.
Company-funded life and serious-illness cover protects your family and can be structured efficiently through the business.
Protects the business against the financial loss of losing a key director or employee, keeping the company stable.
Business financial planning support
Running a company raises money questions that sit alongside pensions and investments — how to structure profit extraction, when and how to build reserves, how to plan for succession or exit, and how the company’s finances connect to your personal goals.
While general business financial planning isn’t a regulated financial product or service, it’s an area we have genuine experience in and are insured to carry out.
We sit down with you, look at the financial picture of your company alongside your personal plan, help you make joined-up decisions, and bring in your accountant or solicitor where specialist input is needed.
The most tax-efficient mix of salary, dividends and pension to move money out of the company.
Planning ahead for the day you sell, hand over or wind down — so the right reliefs are in place.
Your company finances and personal goals in one plan, with your accountant or solicitor brought in where needed.
Understanding how your taxes work
As a director, you’re taxed twice over — once on company profits and again on the money you take out. Understanding how the pieces fit together is where real planning happens. Here are the four that matter most, for the 2026 tax year.
Trading profits are taxed at 12.5% corporation tax — one of the lowest rates in Europe.
Salary is taxed via PAYE, USC and PRSI; dividends as income with no company deduction — so how you extract matters.
Employer contributions are tax-deductible for the company, no BIK for you, up to a €2.2m fund threshold (2026).
Gains face 33% CGT, but Entrepreneur Relief cuts it to 10% on up to €1.5m — with Retirement Relief often on top.
These rates and thresholds apply to the 2026 tax year and are general information, not personal tax advice — your own position may differ. We plan around them with you and work alongside your accountant.
How we work with you
A relaxed, no-obligation conversation about your company, how you take money out, and your personal goals.
We review your salary, profit, reserves, existing pensions and tax position to find the gaps and opportunities.
A clear, whole-of-market plan covering pension funding, profit extraction, investment, protection and planning.
We revisit the plan as your company grows and your goals change — through to eventual exit or succession.
Frequently asked questions
How much can my company pay into my pension?
Employer pension contributions for a director are subject to Revenue funding rules based on your salary, service and target retirement benefits rather than the personal age-related percentage limits — so a company can often fund a substantial pension. We model the maximum efficient contribution for your situation.
Are company pension contributions tax-deductible?
Employer contributions are normally an allowable business expense, reducing the company’s corporation tax, and aren’t treated as a benefit-in-kind for the director. That combination is what makes pension funding such an efficient way to extract value.
What’s the most tax-efficient way to extract profit?
It usually blends salary, dividends and pension funding, with exit planning for the longer term. Pension funding is often the most powerful single lever, but the right mix depends on your goals — and is best modelled with your accountant alongside us.
Can I invest my company’s surplus cash?
Yes. Once pension funding and liquidity are sorted, surplus reserves can be invested for growth rather than losing value to inflation in a current account. Company investments are taxed differently to personal ones, so we plan the balance carefully.
Do you help with succession and exit planning?
Yes. We help directors plan ahead for retirement relief, keyperson cover and an eventual sale or handover, joining up the business and personal sides — and bringing in your accountant or solicitor where needed.
Let’s make your business work harder
Book a free, no-obligation consultation and we’ll show you how to extract wealth from your company tax-efficiently and build your long-term plan.